Usha Financial Services share price & results
- Jun 2026
- Jun 2026
Delhi-NCR based non-deposit-taking NBFC on-lending to other NBFCs/corporates and financing MSMEs and electric-vehicle purchases across 20 states
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 20.3 | +16.6% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 8.0 | +50.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
| Return on equity | 11.48 | +1.8 pts | Trailing twelve months | TTM to Jun 2026 | Adjusted profit attributable to owners ÷ average owners’ equity. |
| Free cash flow margin | Fiscal year | FY ending Mar 2026 | Not in the analysed materials. No older figure is substituted. | ||
| Revenue growth (YoY) | 14.80 | +21.1 pts | Trailing twelve months | TTM to Jun 2026 | Revenue change against the same period one year earlier. |
Price
Performance +19.9% 1Y
1Y: ₹42.5 on 24 Oct 2025 → ₹50.95. High ₹57.45 (19 Oct 2026), low ₹27 (10 Mar 2026).
- Previous close
- ₹49.5
- Market cap
- ₹200 Cr
- 52-week range
- ₹27 – ₹57.45
- One year
- +6.15%
- Price to earnings (TTM to Jun 2026)
- 7.95×
- Return on equity (TTM to Jun 2026)
- 11.48%
Overview
- Symbol
- NSE:USHAFIN
- Sector
- Financial Services
- Exchange
- NSE
- Currency
- INR
What Usha Financial Services Ltd does
Based on the company's own presentations, annual report and earnings calls.
Usha Financial Services Ltd (UFSL) is a non-deposit-taking Non-Banking Finance Company registered with the RBI, incorporated in 1995. It extends credit to other NBFCs and corporates to support their on-lending and liquidity needs, and provides working-capital and expansion credit to MSMEs and small entrepreneurs, including dedicated schemes for women-led enterprises. It also finances green mobility and electric-vehicle purchases. In FY25 it added Loan Against Property and Project Inventory Funding to its product suite, reaching borrowers through its own branches and on-lending partner NBFCs.
Segments
- Loans to NBFCs & corporates
- MSME & small-enterprise financing
- Green & electric-vehicle financing
- Secured lending (LAP & project inventory funding)
- States of operation
- 20
- Borrower base
- 13,000+ borrowers (~80% women)
- Assets under management (loan book)
- ₹410.70 crore (FY25)
- Lending product lines
- 5 (NBFC/corporate loans, MSME loans, green & EV financing, Loan Against Property, project inventory funding)
- Regulatory classification
- Non-deposit-taking NBFC (RBI-registered)
- Branch footprint
- Own branches across Delhi-NCR and Uttar Pradesh, incl. new branch at Bhimpur, Bulandshahr (UP) opened FY25
Fundamentals
Ratios, each with its period
Current values with the period they cover; the trend reads across the 6 fiscal years held (Mar 2021 to Mar 2026).
Financials
What the filings say
Net profit, year on year: +50% (quarter to jun 2026 against jun 2025).
| Line item | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 14 | 17 | 17 | 17 | 17 | 19 | 18 | 20 |
| Expenses | 2 | 4 | 9 | 4 | 5 | 4 | 3 | 4 |
| Other income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 6 | 7 | 6 | 6 | 6 | 6 | 5 | 5 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 6 | 6 | 2 | 7 | 5 | 9 | 9 | 11 |
| Tax rate | 24.8% | 24.3% | 38.5% | 25.1% | 25.4% | 28.8% | 25.8% | 25.5% |
| Net profit | 4 | 5 | 1 | 5 | 4 | 7 | 7 | 8 |
| EPS (₹ per share) | 1.32 | 1.05 | 0.23 | 1.23 | 0.92 | 1.52 | 1.51 | 1.85 |
| Line item | Mar 2026 |
|---|---|
| Sales | 71 |
| Expenses | 16 |
| Other income | 0 |
| Interest | 23 |
| Depreciation | 2 |
| Profit before tax | 31 |
| Net profit | 22 |
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sept 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity capital | 7 | 9 | 11 | 22 | 43 | 43 |
| Reserves | 41 | 73 | 95 | 187 | 173 | 186 |
| Borrowings | 97 | 248 | 181 | 185 | — | 176 |
| Other liabilities | 19 | 43 | 49 | 37 | 30 | 24 |
| Total liabilities | 164 | 372 | 336 | 431 | 420 | 430 |
| Fixed assets | 1 | 0 | 7 | 23 | 23 | 23 |
| Capital work in progress | 0 | 0 | 1 | 0 | 0 | 0 |
| Investments | 2 | 0 | 0 | 0 | 0 | 7 |
| Other assets | 161 | 372 | 327 | 408 | 397 | 400 |
| Total assets | 164 | 372 | 336 | 431 | 420 | 430 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Cash from operations | -8 | -35 | -177 | 71 | -95 | 15 |
| Cash from investing | -2 | 0 | 2 | -8 | -2 | -8 |
| Cash from financing | -17 | 35 | 175 | -56 | 95 | -11 |
| Net cash flow | -27 | 0 | -1 | 8 | -2 | -3 |
| Free cash flow | -8 | -35 | -177 | 63 | -100 | 13 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Return on equity | 9.0% | 9.0% | 16.0% | 13.0% | 8.0% | 10.0% |
| Dividend payout | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Ownership
Who owns it
Promoters hold 74.97% as of Jun 2026; institutions cut 0.17 pts since Mar 2026.
- Promoters 74.97%
- Foreign institutions 1.98%
- Domestic institutions 0.57%
- Public 22.48%
Who bought this quarter
since Mar 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- +0.12 pp 1.66% held
The same filing shows 0 holders trimming and 0 off the list — both are in the register beside this.
Who is on the register
Named in the Jun 2026 filing
Every holder of Usha Financial Services Ltd above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| 19.64% | unchanged | |
| 13.07% | unchanged | |
| 12.56% | unchanged | |
| 10.99% | unchanged | |
| 7.73% | unchanged | |
| 7.60% | unchanged | |
| 1.82% | unchanged | |
| 1.66% | +0.12 pp | |
| 1.10% | unchanged | |
| 1.05% | unchanged | |
| 0.96% | unchanged | |
| 0.86% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
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